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Ash
Ash, Solicitor
Category: Law
Satisfied Customers: 10916
Experience:  Solicitor with 5+ years experience
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I have been trying to obtain a credit card or personal loan

Customer Question

I have been trying to obtain a credit card or personal loan from my bank but the application was declined. I am due to go away with my 12yr old daughter to Italy on 9th July she has been selected to represent Europe in a dance championship and has also been selected to represent England in the world championship in Germany in September 2014 but I do not have the funding - what are my options? I do need to travel with her!
Submitted: 3 years ago.
Category: Law
Expert:  Ash replied 3 years ago.

Alex Watts : Hello my name is Alex and I will help you with this. Please note that I am a working Solicitor and may be on and offline as I have to attend Court and meet with clients, even at weekends. As such you may not get an instant response when you reply, but rest assured I will be giving your question my immediate attention upon return You do not need to wait here as you will get an email when I reply.
Alex Watts : Do you know the reason it was declined please?
JACUSTOMER-5hvsg5l3- :

no they didnt give a reason apparently the application just comes back with a "Yes" or "No" obviously it has something I believe to do with the credit check performed!.

Alex Watts : Have you done a credit check yourself please?
JACUSTOMER-5hvsg5l3- : no
Alex Watts : I would try this.
Alex Watts : You can do this for free at www.creditexpert.co.uk
Alex Watts : You should then see why your bank turned you down.
Alex Watts : You can then try these companies
Alex Watts : http://www.amigoloans.co.uk/
Alex Watts : http://click-loans.co.uk/
Alex Watts : Or you could try a pay day loan but these are expensive.
Alex Watts : Can I clarify anything for you about this today please?
JACUSTOMER-5hvsg5l3- : well i have been advised against payday loans because of that reason they are expensive!! so you have not really told me anything new! i was looking for some form of constructive, productive alternative as i am not running out of time! so really you have not been any help and i would appreciate it if my £36 could be refunded! as i am have limited funds but was willing to spend that had i been given a more productive service, but do not feel your short on line so call advise has been worth me going without so please refund my money. Thank you
Alex Watts :

I can only give you the legal answer, I can't just make something up for you.

Alex Watts :

It would be wrong to give you an incorrect answer.